Health conditions are as unpredictable as any other life event. But have you given it a thought, how would your family deal with the massive amount of expenses of pre and post-hospitalization? Well, do not worry, as you can now quickly secure your and your family's future to combat any forthcoming medical emergencies with a top-notch health insurance cover from Heute and Morgan.
Health insurance or medical insurance is a form of general insurance that can offer you comprehensive protection from any financial losses. It seamlessly covers you at the time when you face tough situations with hefty medical bill payments or surgical charges with added mental pressure. So, whether you need hospitalization for the treatment of any disease or due to an accident, H&M's health insurance cover is always here to back you up. Our health insurance covers all expenses related to yearly health checkups, critical illnesses, psychiatric support, maternity care, etc., which eases your financial burden and gives you and your family the ultimate relief.
Secure benefit: 2x coverage from the very first day
Plus benefit: 100% of coverage increase after 2 years
Restore benefit: 100% restoration of your base cover
Protect benefit: Zero deductions for our listed non-medical expenses
Restore benefit: Get 100% of your coverage restored right after your first claim.
Double multiplier benefit: Get 100% of additional policy cover in the form of a no claim bonus.
Complete pre and post-hospitalization coverage: Get coverage for 60 days before and 180 days after hospitalization.
No medical tests up to 45 years: Get seamless healthcare safety for young people by avoiding medical tests.
Free follow-up health checkups: Avail yourself of free health checkups to stay healthy and happy.
No medical tests up to 45 years: Get seamless healthcare safety for young people by avoiding medical tests.
50 lacs and 1 crore coverage options: You can opt for any of the two options for sum insured as per your requirement.
No capping of hospital room rent: Choose any hospital room up to a standard private air-conditioned room.
Seamless pre and post-hospitalization coverage: Get coverage for all medical expenses up to 60 days before and 180 days after hospitalization, including the charges for investigations, consultation, and therapies.
Cumulative bonus: Get an additional 10% of the sum insured for not claiming during the policy period up to the time of renewal.
The health insurance plans we boast in front of you will cover all your expenses like hospital room rent, surgery, ICU, investigations, and doctor consultations post-hospitalization and due to illness or injuries.
With our health cover, now stay covered for all your pre-hospitalization costs for up to 60 days before your admission. Also, get coverage for your post-hospitalization expenses like physiotherapy, diagnostics, consultations, etc., for up to 180 days after your discharge from the hospital.
Mental health is imperative to sync in with a healthy life. Thus, our health insurance policy covers you with all hospitalization expenses incurred due to an ordeal or any other mental illness.
Our health insurance plans are explicitly designed to cover all medical expenses for your important surgeries and treatments performed in less than 24 hours.
Did you not get a hospital bed due to unavailability, and your doctor allowed treatment at home? Well, our medical insurance will financially cover you for all necessary treatment conducted at your home subjected to a valid prescription by your medical practitioner.
Did your recent medi-claim exhaust the base sum insured and the cumulative bonus of your cover? So, with our health insurance, get the benefit to cover your sum insured with an amount equivalent to your claim on all your subsequent hospitalization charges.
This type of health insurance plan refers to the medical coverage that pays for all your actual medical expenses on a cashless and reimbursement basis up to the insured sum. It is the most basic health insurance coverage that fits all. So now, stay worry-free about all your health-related expenses with this plan, as it gives optimum medical coverage.
Top-up health insurance plans will be your saviour when you've exhausted your health coverage plan and are unable to pay from your pocket anymore. It comes as an add-on to your existing health insurance policy. So, if you already have an individual, family, or corporate health insurance plan but wish to get some additional coverage at a low premium, a top-up plan will work the best for you.
Apart from the indemnity and top-up plans, another medical insurance cover that can immensely benefit you is the fixed benefit-based health insurance plan. While the indemnity and top-up plans pay for your medical bills on an actual basis, the fixed benefit plan will offer a one-time lump sum cover. Therefore, it is highly beneficial to meet your medical expenses resulting from critical ailments such as multiple sclerosis, cancer, paralysis, stroke, etc.
As one of India's leading IRDAI-controlled health insurance brokers, Heute and Morgan bring in front of you quick and convenient ways of health insurance claims. So, have a look at how we handle cashless and reimbursement-based claim requests.
Start with filling up a pre-auth form at any of our network hospitals to get cashless approval.
As the hospital connects with us, we will send you a quick status update.
With pre-auth approval, you can quickly opt for the hospitalization procedure.
We benefit you with a quick claim settlement directly with your hospital at the time of discharge.
You need to pay the medical bills of the non-network hospital initially and carefully preserve all your original invoices.
After discharge, send us all your invoices and necessary documents for your treatment.
We will initiate a complete verification of all your sent claim-related documents.
We will send you the approved amount of the claim directly to your bank account.
A wide range of insurance companies in the market claim to offer India's best health insurance policy. But which one is truly the best? Well, the best health insurance plan must consist of the following:
